Progressive and resourceful banking services professional with two decades of experience in different management positions and leadership roles. Having extensive knowledge in market intelligence and outreach, business development and expansion, customer needs and experience, rural and agriculture finance, and digital finance. I have developed businesses via extensive branch networks and digital means, built considerable deposit & loan portfolios along with hiring, training, and building high performance teams. I have been the critical part of various teams who have successfully launched initiatives and projects like introducing new products, processes, and technology. I am equipped with knowledge in all facets of banking including but not limited to credit, operations, risk, compliance, audit, collections and recoveries, process improvement and product development. I have rich experience across both rural & urban divides.

My Key Achievements:

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  Successfully embarked the digital acquisition of the customers across the network.

  
  


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  Certified financial inclusion professional from Boulder Institute of Microfinance, Italy.

  
  


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  Three times winner of annual president award.

  
  


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  Built and managed extensive branch networks and high-performance teams.

  
  


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  Developed asset and liability portfolios across rural, urban, MSME and agriculture segments.

  
  


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  Designated trainer for sales teams; conducted sessions with NIBAF for different institutions.  

  
  


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  Wrote thesis on influence of customer satisfaction, loyalty, and reputation on retention among microfinance businesses.

  
  


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  Wrote an article on determinants of customer satisfaction in microfinance businesses which was published in International Journal of Management Sciences and Business Research.